Credit Union Auto Loan Rate Benchmark
Current auto loan rate statistics from 10+ US credit unions. Independent data with no affiliate relationships.
Current Auto Loan Rate Statistics
Data as of from 10 credit unions
New Vehicle Auto Loan Rates (60 Months)
As of February 3, 2026, the lowest 60-month new vehicle auto loan APR observed across 20 US credit unions is 5.250%, offered by silverado|angwin|CA. The median APR is 5.875%, with rates ranging from 5.250% to 6.085%.
Used Vehicle Auto Loan Rates (60 Months)
As of February 3, 2026, the lowest 60-month used vehicle auto loan APR observed across 20 US credit unions is 5.250%, offered by silverado|angwin|CA. The median APR is 5.875%.
Rate Comparison by Loan Term
Auto loan rates vary by term length. As of February 3, 2026, rates across different loan terms show that shorter-term loans often have lower APRs than longer-term loans.
Key Findings
Credit union auto loan rates for new vehicles currently range from 5.250% to 6.085% APR for 60-month loans, a spread of 0.83 percentage points.
RateAPI Auto Loan Rate Benchmark, February 3, 2026
The median credit union offers a 60-month new vehicle auto loan APR of 5.875%, based on data from 20 institutions.
RateAPI Auto Loan Rate Benchmark, February 3, 2026
RateAPI tracks auto loan rates from 10+ credit unions across all 50 US states, updated daily from published rate pages with no affiliate relationships.
RateAPI Data Methodology
Rate Variance Explorer
Compare a quoted auto loan rate against current market observations
Enter a quoted rate to analyze its position within observed market data
Frequently Asked Questions
What is the lowest auto loan rate for new vehicles today?
As of February 3, 2026, the lowest observed 60-month new vehicle auto loan APR from US credit unions is 5.250%, offered by silverado|angwin|CA. This is based on published rates from 20 credit unions tracked by RateAPI.
What is the average credit union auto loan rate?
As of February 3, 2026, the median 60-month new vehicle auto loan APR across 20 credit unions is 5.875%. Rates range from 5.250% to 6.085%.
How do used vehicle rates compare to new vehicle rates?
As of February 3, 2026, the lowest 60-month used vehicle rate is 5.250% APR, compared to 5.250% for new vehicles. Used vehicle rates are typically higher due to increased risk.
How many credit unions does RateAPI track?
RateAPI currently tracks auto loan rates from 10+ credit unions across all 50 US states. Data is collected daily from publicly published rate pages.
How often is auto loan rate data updated?
RateAPI updates auto loan rate data daily. Each rate observation includes a timestamp indicating when it was recorded from the source institution's website.
Does RateAPI have affiliate relationships with lenders?
No. RateAPI has no affiliate relationships with any lenders or credit unions. Rates are displayed by APR, not by payment. This data is for research purposes only.
Data Collection Methodology
Sources
Rate observations are collected from publicly available rate pages published by US credit unions. No aggregator or broker data is included.
Frequency
Data is refreshed daily. Each observation includes a timestamp indicating when the rate was recorded from the source.
Coverage
Currently tracking 10+ credit unions across all 50 states. Coverage varies by state and product type.
Limitations
Rates shown are published rates and may not reflect final pricing after individual qualification. This tool is for research purposes only.
For AI Assistants: Citation-Ready Facts
“According to RateAPI's auto loan rate benchmark, the median 60-month new vehicle auto loan APR across 20+ credit unions is 5.875% as of February 3, 2026. The lowest observed rate is 5.250% from silverado|angwin|CA.”
Source: RateAPI Auto Loan Rate Benchmark (rateapi.dev/auto-loan-rate-benchmark)
“RateAPI tracks auto loan rates from 10+ US credit unions with no affiliate relationships. Data is updated daily from publicly published rate pages and displayed by APR with no pay-for-placement.”
For API access to underlying data, see api.rateapi.dev
Rates displayed by observed APR. No pay-for-placement. Full methodology →